Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Texas. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Texas USDA Loan Limits – Guaranteed Loans

Area
1-4 Person Households
5-8 Person Households
Abilene, TX MSA$272,000$340,000
Amarillo, TX HUD Metro FMR Area$272,000$340,000
Anderson County, TX$272,000$340,000
Andrews County, TX$272,000$340,000
Angelina County, TX$272,000$340,000
Aransas County, TX HUD Metro FMR Area$272,000$340,000
Atascosa County, TX HUD Metro FMR Area$272,000$340,000
Austin County, TX HUD Metro FMR Area$272,000$357,000
Austin-Round Rock, TX MSA$306,000$408,000
Bailey County, TX$272,000$340,000
Baylor County, TX$272,000$340,000
Beaumont-Port Arthur, TX HUD Metro FMR Area$272,000$340,000
Bee County, TX$272,000$340,000
Blanco County, TX$289,000$374,000
Borden County, TX$272,000$340,000
Bosque County, TX$272,000$340,000
Brazoria County, TX HUD Metro FMR Area$323,000$417,000
Brewster County, TX$272,000$340,000
Briscoe County, TX$272,000$340,000
Brooks County, TX$272,000$340,000
Brown County, TX$272,000$340,000
Brownsville-Harlingen, TX MSA$272,000$340,000
Burnet County, TX$272,000$340,000
Calhoun County, TX$272,000$340,000
Camp County, TX$272,000$340,000
Cass County, TX$272,000$340,000
Castro County, TX$272,000$340,000
Cherokee County, TX$272,000$340,000
Childress County, TX$272,000$340,000
Cochran County, TX$272,000$340,000
Coke County, TX$272,000$340,000
Coleman County, TX$272,000$340,000
College Station-Bryan, TX MSA$272,000$340,000
Collingsworth County, TX$272,000$340,000
Colorado County, TX$272,000$340,000
Comanche County, TX$272,000$340,000
Concho County, TX$272,000$340,000
Cooke County, TX$272,000$340,000
Corpus Christi, TX HUD Metro FMR Area$272,000$340,000
Cottle County, TX$272,000$340,000
Crane County, TX$272,000$340,000
Crockett County, TX$272,000$340,000
Culberson County, TX$272,000$340,000
Dallam County, TX$272,000$340,000
Dallas, TX HUD Metro FMR Area$289,000$374,000
Dawson County, TX$272,000$340,000
Deaf Smith County, TX$272,000$340,000
Delta County, TX$289,000$374,000
DeWitt County, TX$272,000$340,000
Dickens County, TX$272,000$340,000
Dimmit County, TX$272,000$340,000
Donley County, TX$272,000$340,000
Duval County, TX$272,000$340,000
Eastland County, TX$272,000$340,000
Edwards County, TX$272,000$340,000
El Paso, TX HUD Metro FMR Area$272,000$340,000
Erath County, TX$272,000$340,000
Falls County, TX HUD Metro FMR Area$272,000$340,000
Fannin County, TX$272,000$340,000
Fayette County, TX$272,000$340,000
Fisher County, TX$272,000$340,000
Floyd County, TX$272,000$340,000
Foard County, TX$272,000$340,000
Fort Worth-Arlington, TX HUD Metro FMR Area$289,000$374,000
Franklin County, TX$272,000$340,000
Freestone County, TX$272,000$340,000
Frio County, TX$272,000$340,000
Gaines County, TX$272,000$340,000
Garza County, TX$272,000$340,000
Gillespie County, TX$272,000$357,000
Glasscock County, TX$289,000$391,000
Gonzales County, TX$272,000$340,000
Gray County, TX$272,000$340,000
Grimes County, TX$272,000$340,000
Hale County, TX$272,000$340,000
Hall County, TX$272,000$340,000
Hamilton County, TX$272,000$340,000
Hansford County, TX$272,000$340,000
Hardeman County, TX$272,000$340,000
Harrison County, TX$272,000$340,000
Hartley County, TX$323,000$408,000
Haskell County, TX$272,000$340,000
Hemphill County, TX$272,000$357,000
Henderson County, TX$272,000$340,000
Hill County, TX$272,000$340,000
Hockley County, TX$272,000$340,000
Hood County, TX HUD Metro FMR Area$289,000$374,000
Hopkins County, TX$272,000$340,000
Houston County, TX$272,000$340,000
Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area$272,000$374,000
Howard County, TX$272,000$340,000
Hudspeth County, TX HUD Metro FMR Area$272,000$340,000
Hutchinson County, TX$272,000$340,000
Irion County, TX SEA$272,000$340,000
Jack County, TX$272,000$340,000
Jackson County, TX$272,000$340,000
Jasper County, TX$272,000$340,000
Jeff Davis County, TX$272,000$340,000
Jim Hogg County, TX$272,000$340,000
Jim Wells County, TX$272,000$340,000
Karnes County, TX$272,000$340,000
Kendall County, TX HUD Metro FMR Area$323,000$417,000
Kenedy County, TX$272,000$340,000
Kent County, TX$272,000$340,000
Kerr County, TX$272,000$340,000
Killeen-Temple, TX HUD Metro FMR Area$272,000$340,000
Kimble County, TX$272,000$340,000
King County, TX$272,000$340,000
Kinney County, TX$272,000$340,000
Kleberg County, TX$272,000$340,000
Knox County, TX$272,000$340,000
La Salle County, TX$272,000$340,000
Lamar County, TX$272,000$340,000
Lamb County, TX$272,000$340,000
Lampasas County, TX HUD Metro FMR Area$272,000$340,000
Laredo, TX MSA$272,000$340,000
Lavaca County, TX$272,000$340,000
Lee County, TX$272,000$357,000
Leon County, TX$272,000$340,000
Limestone County, TX$272,000$340,000
Lipscomb County, TX$272,000$357,000
Live Oak County, TX$272,000$340,000
Llano County, TX$272,000$340,000
Longview, TX HUD Metro FMR Area$272,000$340,000
Loving County, TX$323,000$417,000
Lubbock, TX HUD Metro FMR Area$272,000$340,000
Lynn County, TX HUD Metro FMR Area$272,000$340,000
Madison County, TX$272,000$340,000
Marion County, TX$272,000$340,000
Martin County, TX HUD Metro FMR Area$272,000$340,000
Mason County, TX$272,000$340,000
Matagorda County, TX$272,000$340,000
Maverick County, TX$272,000$340,000
McAllen-Edinburg-Mission, TX MSA$272,000$340,000
McCulloch County, TX$272,000$340,000
McMullen County, TX$272,000$340,000
Medina County, TX HUD Metro FMR Area$272,000$340,000
Menard County, TX$272,000$340,000
Midland, TX HUD Metro FMR Area$306,000$408,000
Milam County, TX$272,000$340,000
Mills County, TX$272,000$340,000
Mitchell County, TX$272,000$340,000
Montague County, TX$272,000$340,000
Moore County, TX$272,000$340,000
Morris County, TX$272,000$340,000
Motley County, TX$272,000$340,000
Nacogdoches County, TX$272,000$340,000
Navarro County, TX$272,000$340,000
Newton County, TX HUD Metro FMR Area$272,000$340,000
Nolan County, TX$272,000$340,000
Ochiltree County, TX$272,000$340,000
Odessa, TX MSA$272,000$340,000
Oldham County, TX HUD Metro FMR Area$272,000$340,000
Palo Pinto County, TX$272,000$340,000
Panola County, TX$272,000$340,000
Parmer County, TX$272,000$340,000
Pecos County, TX$272,000$340,000
Polk County, TX$272,000$340,000
Presidio County, TX$272,000$340,000
Rains County, TX$272,000$340,000
Reagan County, TX$272,000$340,000
Real County, TX$272,000$340,000
Red River County, TX$272,000$340,000
Reeves County, TX$272,000$340,000
Refugio County, TX$272,000$340,000
Roberts County, TX$323,000$408,000
Runnels County, TX$272,000$340,000
Rusk County, TX HUD Metro FMR Area$272,000$340,000
Sabine County, TX$272,000$340,000
San Angelo, TX MSA$272,000$340,000
San Antonio-New Braunfels, TX HUD Metro FMR Area$272,000$340,000
San Augustine County, TX$272,000$340,000
San Jacinto County, TX$272,000$374,000
San Saba County, TX$272,000$340,000
Schleicher County, TX$272,000$340,000
Scurry County, TX$272,000$340,000
Shackelford County, TX$272,000$340,000
Shelby County, TX$272,000$340,000
Sherman County, TX$272,000$340,000
Sherman-Denison, TX MSA$272,000$340,000
Somervell County, TX HUD Metro FMR Area$289,000$374,000
Starr County, TX$272,000$340,000
Stephens County, TX$272,000$340,000
Sterling County, TX$272,000$340,000
Stonewall County, TX$272,000$340,000
Sutton County, TX$272,000$340,000
Swisher County, TX$272,000$340,000
Terrell County, TX$272,000$340,000
Terry County, TX$272,000$340,000
Texarkana, TX-Texarkana, AR HUD Metro FMR Area$272,000$340,000
Throckmorton County, TX$272,000$340,000
Titus County, TX$272,000$340,000
Trinity County, TX$272,000$340,000
Tyler County, TX$272,000$340,000
Tyler, TX MSA$272,000$340,000
Upton County, TX$272,000$340,000
Uvalde County, TX$272,000$340,000
Val Verde County, TX$272,000$340,000
Van Zandt County, TX$272,000$340,000
Victoria, TX MSA$272,000$340,000
Waco, TX HUD Metro FMR Area$272,000$340,000
Walker County, TX$272,000$340,000
Ward County, TX$272,000$340,000
Washington County, TX$272,000$340,000
Wharton County, TX$272,000$340,000
Wheeler County, TX$272,000$340,000
Wichita Falls, TX MSA$272,000$340,000
Wilbarger County, TX$272,000$340,000
Willacy County, TX$272,000$340,000
Winkler County, TX$272,000$340,000
Wise County, TX HUD Metro FMR Area$289,000$374,000
Wood County, TX$272,000$340,000
Yoakum County, TX$272,000$340,000
Young County, TX$272,000$340,000
Zapata County, TX$272,000$340,000
Zavala County, TX$272,000$340,000
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